Truck insurance coverage checker
Tell us how you run, and we'll build a coverage card like the certificate brokers ask for: which coverages are required, which brokers usually want, and which are smart to have.
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Educational guide only, not a policy or a quote. Confirm your coverage with a licensed agent.
Read next
- Truck insurance types, explained in plain EnglishLiability, cargo, physical damage, bobtail and the rest: what each one covers and who needs it.
- How much liability insurance does a truck need?Federal minimums by type of freight, and why brokers usually ask for more.
- Insurance for owner-operators leased onto a carrierWhat the carrier covers, what you buy yourself, and the questions to ask before you sign.
- Why new CDL drivers struggle to get insured, and how to get past itInsurers and carriers want experience. Here's how new drivers build it.
- What to do after a truck accident: protecting your claimThe steps at the scene and after that keep a claim moving.
Free New Authority Insurance Kit
A printable coverage checklist, the questions to ask every insurance agent, and a worksheet to compare quotes side by side. Free, by email.
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Get a quote from agents who insure truckersBluewhale Insurance Group works with owner-operators and small fleets.Request a quoteCommon questions
Is this the same as an insurance quote?
No. It shows which coverages fit your operation so you know what to ask for. Prices come from an insurance agent, and only a licensed agent can tell you exactly what your policy covers.
Why do brokers want $1,000,000 in liability when the minimum is $750,000?
Brokers and shippers set their own requirements to protect themselves. Most ask for $1,000,000 in auto liability and often $100,000 in cargo. Check your brokers' requirements before you buy.
More tools
- Compare truck insurance quotesPut up to three quotes side by side, with warnings when limits fall below what brokers ask for.
- Insurance cost per mile calculatorTurn your premium into cost per mile, monthly payments and the cash you need to start.
- New authority insurance checklistEvery insurance step to get your own authority active, in order. Saves your progress.
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Roadside Masters
24/7 nationwide roadside assistance for trucks, so a breakdown doesn't leave you stuck.Sign up your truckAd
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Secure truck parking helps protect your rig and your cargo. Reserve a spot ahead of time.Find parking